Just funded
$1,250,000
Single family in Los Angeles, CA
Fix and flipClosed in 6 days
Direct lender
Impossible loans. Funded.
Stated income options, in-house underwriting, and a common-sense approach to credit. We decide fast and fund with our own capital.
Subject to underwriting and property evaluation. Not all applicants will qualify.
Investor / fix & flip
Purchase, rehab, bridge, build or hold. Judged on the property and your exit.
Buy or refinance a home
Plain answers on home loans, including income that doesn't fit the usual box.
$180M+
Funded
7
Days average close
24 hr
Term sheets
1,200+
Loans closed
Why clients choose 360
Three reasons. One direct lender.
01 Stated income
Income that doesn't fit a box.
Self-employed or paid in ways banks don't count? We offer stated income options on business-purpose and investment property loans, and alternative documentation like bank statements on others.
02 In-house underwriting
One team. Start to funded.
Underwriting and processing happen under our roof. No handoffs, no committees across the country, just practical, common-sense decisions made fast.
03 Challenging credit
Credit took a hit? Let's talk.
Past bankruptcy, high card balances, or a life event that set you back. We look at the whole picture, starting with the property and your plan, not just a score.
Stated income options available for business-purpose and investment loans only. All loans subject to underwriting and property evaluation. Not all applicants will qualify.
Loan programs
Built for the deals banks won't touch
Every program, one standard: we look at the property, the equity and your exit.
Why a direct lender
Direct lender. Direct answers.
01
We decide in-house
No committee in another state. The person reading your file can say yes.
02
We fund with our capital
Direct lender. No middlemen, no table funding, no surprise investor.
03
We move at deal speed
Messy file, odd property, tight date. That is the work, not the exception.
How it works
Three steps. No runaround.
01
Tell us the deal
Property, equity, exit. A few minutes.
02
Get your terms
Written terms in 24 hours.
03
Close and fund
Signing to wire in 7 days on average.
Subject to underwriting and property evaluation. Not all applicants will qualify.
Recently funded
Bank said no. We said funded.
Just funded
$3,400,000
Multifamily 5+ in San Jose, CA
BridgeClosed in 9 days
Just funded
$875,000
Entitled lot in Woodland Hills, CA
Ground-up constructionClosed in 11 days
Move now
Deadline coming? Let's move.
Tell us the deal today. Get your terms in 24 hours.
Subject to underwriting and property evaluation. Not all applicants will qualify.